insurance covers it, i mean, the pain of losing your home is enormous and you know, after the hurricane katrina, we did hear similar noise with about, well, we shouldn't rebuild the lower 9th ward. in fact, there was never a sweeping federal policy to avoid rebuilding the lower 9th ward and it's been partially rebuilt and a lot of home owners privately made decisions, it's appropriate. on their own, i don't wish to continue with this, i can't do that again. and i think that's probably do something similar here. and let them make their own decisions and don come in with sweeping policies and create some defenses from new york like colin has, you should not oversimplify oversweeping decisions here. >> weigh in on this, relocate or rebuild. >> there's a couple of interesting points that you brought up. one, if we allow the the government to dictate where people live. where does it stop? are they not allowed to live in the middle of the country in tornado alley, not allowed to live in california where their house could be consumed by a forest fire not allowed to live along the shores of the mississ